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Alternatives

Best Inter alternatives

Inter scores 7.3. These are live products this desk would open next — each with a full review, not a leftover affiliate tile.

7.3Solid

4.9 user score on Inter · compare licences below

InterNubankAgibankWiseKestrl
Editorial score7.38.16.88.66.7
HQBelo HorizonteSão PauloPorto AlegreLondonLondon
MonthlyFree current-account pitch — confirm liveNo annual fee on core cardPack-dependentFree personal Freemium / subscription SKUs — confirm live
ProtectionFGC up to R$250,000 per CPF per institution on eFGC on qualifying deposit products up to R$250,0FGC up to R$250,000 per CPF per member institutiSafeguarded EMI funds in the UK — not FSCS. LocaIf a spending account exists, it is partner-EMI
Cardmastercardmastercardvisamastercardmastercard
UsersTens of millions100M+6M+16M+Tens of thousands

Full alternatives

#1 alternative

Nubank

active

Latin America’s default digital bank, listed in New York.

4.7

São Paulo · 100M+ · Public (NU)

8.1Strong

If you live in Brazil, Nu is the control account every comparison starts from. If you do not, skip it.

Best for: Residents of Brazil (and Nu’s other LATAM markets) who want the default digital bank.

Why it beats Inter

  • Scale that broke the ‘challenger’ frame
  • Credit card that actually got adopted
  • PIX-native account

Watch-outs

  • Not a product for non-residents
  • Foreign spend has Brazil tax reality (IOF)
  • Credit is still credit
Licence
Financial institution / credit card issuer
Protection
FGC on qualifying deposit products up to R$250,000
Monthly
No annual fee on core card
Full Nubank reviewNubank alternativesVisit Nubank

#2 alternative

Agibank

active

Brazilian bank for people the branches ignored. FGC, not a wallet.

Porto Alegre · 6M+ · Listed (Agi Inc. / NYSE path 2026)

6.8Mixed

Agibank is a Banco Central bank with FGC. Put it next to Nubank as a different object: hubs and payroll credit versus a purple card. Do not list it as a fintech wallet.

Best for: Brazilians who want a bank that still has a human desk, with FGC on the deposit.

Why it beats Inter

  • Licensed Brazilian bank
  • FGC
  • Hub network is the distribution

Watch-outs

  • Not Nubank polish
  • Brazil-only
  • Credit is the engine
Licence
Bank (Banco Agibank)
Protection
FGC up to R$250,000 per CPF per member institution on eligible deposits
Monthly
Pack-dependent
Full Agibank reviewAgibank alternativesVisit Agibank

#3 alternative

Wise

active

The mid-market FX rail everyone else is measured against.

4.7

London · 16M+ · Public (WISE)

8.6Strong

The control for cross-border. Pair with a licensed local bank for salary protection. Never describe Wise personal as a UK bank account.

Best for: Anyone who receives or sends money across borders for a living.

Why it beats Inter

  • Honest FX — the number others hide
  • Local details that make you look domestic
  • Business platform that scales past the card

Watch-outs

  • Not a bank in the UK — no FSCS on the EMI wallet
  • Account reviews can freeze funds mid-invoice
  • ATM and spend caps on the free plan
Licence
EMI (personal)
Protection
Safeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks.
Monthly
Free personal · Wise Business subscription optional
Full Wise reviewWise alternativesVisit Wise

#4 alternative

Kestrl

active

UK app for Muslim money habits. Not a bank.

4.6

London · Tens of thousands · Seed / grant-era

6.7Mixed

Kestrl is a habit layer. Keep a Monzo/Starling/high-street account for the actual deposit. Halal branding does not move FSCS.

Best for: UK Muslims who want a money app that speaks their constraints, with a real bank still underneath.

Why it beats Inter

  • Category honesty
  • Habits UX
  • Family angle

Watch-outs

  • Not a licensed bank
  • Partner-rail complexity
  • UK-first
Licence
App + partner EMI/bank rails
Protection
If a spending account exists, it is partner-EMI or bank — not Kestrl-as-bank
Monthly
Freemium / subscription SKUs — confirm live
Full Kestrl reviewKestrl alternativesVisit Kestrl

#5 alternative

Wahed

active

Sharia-screened investing. Not a current account.

4.4

New York · 300k+ · Series-era

7.3Solid

Wahed is a screened robo, not a current account. Pair it with a real bank. Do not describe the cash sleeve as FSCS current-account money without reading the entity.

Best for: Muslims who want a screened portfolio without building one from a brokerage blank page.

Why it beats Inter

  • Sharia screening is the product
  • Multi-market entities
  • Simple onboarding

Watch-outs

  • Not a bank
  • Fees on AUM
  • Halal ≠ risk-free
Licence
Investment adviser / manager — confirm the local entity
Protection
Securities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entity
Monthly
AUM fee on portfolios (live rate on site)
Full Wahed reviewWahed alternativesVisit Wahed

#6 alternative

Found

active

US banking for the self-employed: taxes, invoices, and a debit card.

4.8

San Francisco · Self-employed base · Series-era (Allianz x others)

7.3Solid

Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.

Best for: US freelancers who hate QuickBooks more than they hate banks.

Why it beats Inter

  • Tax set-asides
  • App craft
  • Free core

Watch-outs

  • Not a bank
  • Not for headcount
  • US only
Licence
Fintech with partner banks
Protection
FDIC via Piermont Bank and partners
Monthly
Free core
Full Found reviewFound alternativesVisit Found

Questions

01

Why look beyond Inter?

Inter is scored 7.3. Weaknesses on this desk: Geography; Sprawl. Alternatives above are scored independently, not paid placements.

02

Are these Inter alternatives available in the same countries?

Coverage is per product. Open the country desk and the individual review — a UK bank licence does not travel, and an EMI is not FSCS.

03

How do I compare them side by side?

Use Compare on any card, up to four products, then open the compare desk.

Back to the Inter review